Residential roofing businesses
Roofing contractor insurance for residential roofers
Roofing is one of the harder trades to insure because of the height, weather, and the damage a leak can cause. Kaufman Insurance Group compares roofing contractor insurance from multiple companies and explains the details that matter for roofers.
- General liability built around roofing work
- Coverage for tools, ladders, and trailers
- Help with certificates for homeowners and builders
Personal & Commercial · Quick Quotes – Good Rates · Great Companies
As an independent agency, we compare roofing contractor insurance from the companies we work with. The companies that can quote you depend on your type of business, your operations, where you work, and each company’s own rules.
These logos show some of the insurance companies Kaufman Insurance Group may be able to quote as an independent agency. Showing a logo does not mean the company endorses us. Which companies can offer you coverage depends on the type of insurance, where you live, and each company’s own rules.
The basics
What roofing contractor insurance is
Roofing contractor insurance is a group of business policies for companies that install, repair, and replace roofs on homes. It protects you from claims that your work caused injury or damage, and protects the equipment and vehicles your crews use.
Roofing carries higher risk than many trades. Crews work at heights, open roofs to the weather, and use torches or nail guns in some cases. If a storm hits while a roof is open, the damage to the home can be significant. Because of this, fewer insurance companies write roofers, and those that do ask detailed questions.
Insurance companies often want to know the pitch and height of the roofs you work on, whether you do any torch work, how you use subcontractors, and your safety practices. Accurate answers help you get coverage that actually fits your work.
Steep-slope residential roofs
Shingle, metal, slate, and tile roofs on homes.
Repairs and storm work
Leak repairs, storm damage, and insurance restoration work.
Know what you are choosing
Coverages roofing contractor businesses commonly need
Every business is different, and the options depend on the company. These are the policies we review most often for this trade.
General liability
Helps pay for injuries and property damage caused by your roofing work, including after the job is done, depending on the policy.
Tools and equipment
Helps replace ladders, nail guns, compressors, and other equipment stolen or damaged.
Commercial auto
Covers trucks, dump trailers, and vehicles used on jobs.
Workers compensation
In Ohio, this coverage comes from the state, not an insurance company. If you have employees in other states, we can help with workers compensation there as it comes up.
Builders risk
Covers materials and work in progress when your contract makes you responsible.
Umbrella or excess liability
Adds higher liability limits when builders or contracts require them.
Is it right for you
Who we help
We help residential roofing businesses of different sizes.
Roof replacement contractors
Tear-off and new roof installations on homes.
Repair and maintenance roofers
Leak repairs, flashing, and small jobs.
Storm restoration companies
Businesses that handle storm and insurance claim roofing work.
Gutter and siding add-ons
Roofers who also install gutters, siding, or skylights.
Having trouble finding coverage as a roofer? An agent can check more than one company.
How Kaufman helps
How we help roofing contractor businesses
We are an independent agency, so we can compare coverage from multiple companies and put the right pieces together for your business.
Tell us about your work
Share the roofing work you do, roof heights and pitch, any torch work, your crew and subcontractors, and your vehicles.
We compare companies
An agent reviews options from the companies we work with and explains limits, exclusions, and any contract requirements.
Get covered and get certificates
Choose your coverage. We can issue certificates of insurance and add customers as additional insureds when your policy allows.
We focus on Ohio and North Carolina, and we can also help contractors in most other states. See our contractor insurance page for other trades, or learn more about general liability insurance.
Common questions
Residential Roofing Contractor Insurance questions
Why is roofing insurance harder to get?
Roofing involves working at heights and opening homes to the weather, which leads to more claims. Fewer companies insure roofers, and they ask detailed questions about your work.
Does general liability cover water damage from an open roof?
It may, depending on the policy and the situation. Some policies have limits or exclusions for certain roofing work. We review these details with you.
Do I need workers compensation for my roofing crew?
If you have employees, you generally need it, and many general contractors ask for proof. In Ohio, workers compensation is run by the state through the Ohio Bureau of Workers’ Compensation, so Ohio employers get it there rather than from an insurance agency. If your business has employees working in states outside Ohio, Kaufman Insurance Group can help with workers compensation for those states as it comes up.
Do my roofing subcontractors need their own insurance?
Usually, yes. Insurance companies generally expect subcontractors to carry their own liability and workers compensation, and may ask for certificates.
Can you send certificates of insurance to my customers?
Yes. Once your policy is active, we can issue certificates of insurance and, when your policy allows, add customers or general contractors as additional insureds.
Related coverage
Related contractor and business coverage
Commercial roofing insurance
Coverage for flat and low-slope commercial roofing.
Explore commercial roofing insuranceCommercial auto insurance
Coverage for the trucks, vans, and cars your business uses.
Explore commercial autoGeneral liability insurance
Protection if your business is blamed for injuring someone or damaging their property.
Explore general liabilityConstruction and contracting insurance
Coverage for contractors and trades, from handymen and remodelers to roofers and HVAC pros.
Explore contractor insuranceReady to protect your business?
Start a roofing contractor insurance quote online, or contact us with questions. An agent at Kaufman Insurance Group will help you compare your options.
Prefer to talk? Call (330) 486-8404.